I-credit bureau yinkampani eqokelela kunye nokugcina ulwazi ngolwazi lweentengo zemali kunye nokuyithengisa kubathengi, abathengi kunye nabathengi ngendlela yengxelo yengxelo yemboleko. Nangona kukho iindidi zeentengo zemboleko kwi-US, abaninzi abathengi baqhelana nezona zimbini ezinkulu: i-Equifax, i-Experian, ne-TransUnion. Inkulu enkulu yeentengo zemboleko yenza okungaphezulu nje kokuqokelela nokunika ingxelo yabathengi ngolwazi.
Banikezela ezininzi izisombululo eziza kusinceda amabhizinisi angcono.
Iintlobo zeeNkcukacha zeeNgxowa-mali zeeTyala ziqokelela
I-credit bureaus igcina inani leenkcukacha ezinxulumene nawe kunye nembali yekhredithi, ukususela kwixesha ovula i-akhawunti yakho yokuqala yekhredithi. Ngokomzekelo, i-credit bureau iqokelela ulwazi malunga neengxelo zekhredithi: umlando wakho wokuhlawula, inani lemali-mboleko okhoyo, inani lemali-mboleko oyisebenzisayo, iikholeji ezithe zagqalwa, iinkcukacha kwiirekhodi zoluntu ezifana ne-bankruptcy, izibambiso zerhafu, ukuchithwa, kunye ukuhlaziya.
Iingxowa-mboleko zemali-mboleko nazo zigcina ulwazi olungengewona-ngetyala malunga nawe, idilesi yakho, abaqeshi bamanje nabangaphambili, kunye nolwazi lomvuzo. Nangona le ngcaciso ingasetyenziswanga ukubala amanqaku akho ekhredithi, amashishini angakuqwalasela xa bavavanya ukuba bangenza ishishini nani.
Kuphi i-Credit Bureaus Ifumana ulwazi?
Iingxowa-mboleko zemboleko zixhomekeka kwiibhanki nakwamanye amashishini ukubonelela ngolwazi lwabathengi.
Uninzi lweenkampani ozenza ishishini ngokuthumela izibuyekezo rhoqo kwiakhawunti zakho ezivulekileyo. Iingxowa-mali zemali-mboleko zifumana ulwazi malunga nawe kwiirekhodi zenkundla kawonkewonke.
Iimboleko zemali-mboleko zisebenzisa imithombo eyahlukeneyo yokufumana ulwazi ukwenzela ukuba ingxelo yakho yekhredithi ingatshintsha kancane ukusuka kwi-bureau ukuya kumaziko. Iingxelo zonke zingahle zilahleke kwingxelo yakho yekhredithi.
Ngubani osebenzisa i-Credit Bureau Data?
Amabhanki kunye nabaniki bamakhadi abemali-mboleko ngabasebenzisi abaluhlukileyo beenkcukacha ezinikezelwa ngamaziko eentengo zemboleko. Ininzi yezinye iinkampani zibuyela kwii-credit bureaus ukwenza izigqibo ngawe. Abaqeshi, iinkampani zomshuwalense, abanikazi bempahla, kunye nabaqokeleli bematyala bonke bacela ulwazi kwiziko lemali-mboleko.
Ii-ofisi zemali-mboleko zibonelela ngeenombolo zeebhanki kunye neenkampani zomshuwalense ukunceda ezi nkampani zigqiba ukuba ngabaphi abathengi bangasebenzisa iimveliso zabo. Abaniki bamakhadi abemboleko, ngokomzekelo, bangacela uluhlu lwabathengi abaneemali zokukhawulwa kwekhadi lokuthenga ngetyala lokuthumela aba bathengi banikezela ngamanani amakhadi ekhredithi. Ukuba uye wakha wazibuza ukuba ikhadi lekredithi elivunyiweyo linikezela njani kwi-akhawunti yakho yasebhanki okanye ukuba ibhanki yazi njani ukubonelela ngokungahlawulwanga kwintlawulo yakho, yile ndlela. (Ngendlela, unako ukuphuma ekukhutsheni i-OptOutPrescreen.com.)
UMthetho ngokuphathelele kwiiRahara zeeRhafu
Umthetho we-Fair Credit Reporting Act (FCRA) ngumthetho wesigqeba ochaza indlela i-credit bureaus ifanele ukuba isebenze ngayo. I-FCRA inikezela abathengi ilungelo lokunika ingxelo efanelekileyo yengxelo. Ukuba ufumana iziphene kwingxelo yakho yebhanki, uvumelekile ukuphikisana nezi mpazamo kunye ne-bureaus ye-credit.
I-credit bureau ifuneka ukuba kwenziwe uphando kwaye ilungele iimpazamo xa kuyimfuneko.
Iingxowa-mali zeeNgxowa-mali zinika iiNgxelo zeNtengo zeNtengiso
Unelungelo lokuyalela ingxelo yengxelo yakho yekredithi kwiivenkile ezintathu zemali-mboleko. UMthetho oPhathelene nokuThengiswa kweTyala kunye neNgcaciso unika ilungelo lokunika ingxelo yekhredithi enye yonyaka ngaphandle kwenyanga nganye kwiintlobo ezinkulu ezintathu zeentengo zemboleko. Unokuyalela le ngxelo yonyaka-mboleko nge-AnnualCreditReport.com.
Iingxowa-mali zemali-mboleko nazo ziyafuneka ukuba zikunike ingxelo yekhredithi yamahhala ukuba:
- unesicelo esinqatshelwe ngenxa yolwazi kwingxelo yakho yekhredithi
- awusebenzi kwaye uceba ukuqalisa uphando lomsebenzi kwisithuba seentsuku ezingama-60
- uhlala kwinhlalakahle
- wena ulixhoba lobusela besazisi.
Ingcaciso Yesikweletu Yakho ingaba neziphoso
Omnye wabathengi abangama-20 banempazamo yeengxelo zemboleko eziza kunciphisa amanqaku abo okuthenga ngetyala ukwenzela ukuba ityala lithengise kakhulu, ngokubhekiselele kwisifundo se-2013 se-Federal Trade Commission.
Olunye ulwazi lomntu lunokuphosakela ngephutha kwingxelo yakho yekhredithi, ngokukodwa xa igama labo okanye olunye ulwazi lwazi lufana neyakho. Umthetho we-Federal unikezela ilungelo lokuphikisa iimpazamo kwi-credit report yakho ingxelo, kodwa inqubo ayisebenzi rhoqo ngokulula njengoko kufanele. Ngo-2013, umfazi wase-Oregon wanqoba i-$ 18 yezigidi ze-Equifax, enye yezona zikhulu zeentengo zemboleko zemali, emva kokuhluleka ukulungisa i-error report report apho iphikisana namaxesha angama-13 kwiminyaka emibini.
Ezi mpazamo zidlalwa ngamanye amaxesha kwaye ziqinisekiswa ngababoleki kunye nabathengisi abathembela (ngolwazi ngamanye amaxesha) ulwazi kwiinkqubo zabo zeekhomputha kunokuba amaxwebhu anikezelwe ngabathengi.
Iingxowa-mali zeeNgxowa-mali zinikezela ngolwazi kuphela
Nangona i-credit bureaus inikezela ezinye okanye zonke iinkcukacha zemboleko ababolekisi nababolekisi basebenzise ukukhanyela okanye ukuvunywa izicelo zakho, i-bureau ngokwayo ayenzi isigqibo sekhredithi.